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Ohio Auto Insurance Requirements

As a motor vehicle operator and resident of Ohio, you need to know that you are financially responsible for any personal injury and/or property damage that you cause in an automobile accident. This sort of state is referred to as a “Tort” state.

Ohio gives you a few different ways to prove that you can pay in the event of an accident:

  • Post a cash bond in the amount of $30,000.
  • Post a real estate bond in the amount of $60,000.
  • Purchasing the minimum liability insurance of 12.5/25/7.5 (see the chart below)

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Most drivers opt for the liability insurance.

Please note that these are very low minimums. You might want to consider purchasing higher levels of coverage, especially if you have a family and/or assets to protect.

Ohio drivers are also able to increase their auto insurance protection by purchasing one or more of the following options: collision, comprehensive, medical payments, as well as uninsured and underinsured motorists bodily injury coverage.

Coverage Type Required? Minimum Coverage Amount Required
Bodily Injury Liability Yes

$12,500 per person

$25,000 per accident

Property Damage Liability Yes

$7,500

Uninsured Motorist Bodily Injury No

$12,500 per person

$25,000 per accident

Underinsured Motorist Bodily Injury No  
Personal Injury No  



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Auto Insurance for Leased Vehicles in Ohio (OH)

Most leasing companies in Ohio typically require drivers to maintain insurance coverage which exceeds the minimums set by Ohio state law. This is to protect you financially, as well as your leasing company, should they be held partly responsible. Most leasing companies will recommend the following amounts of insurance coverage:

Read about special considerations for drivers in:

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Ohio Bureau of Motor Vehicles
www.oplates.com
Ohio Department of Insurance
2100 Stella Court
Columbus, OH 43215-1067
www.ohioinsurance.gov


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ComparisonMarketComparisonMarket

ComparisonMarket provides consumers with real choice and savings in auto insurance. By using the only technology that enables real-time comparative quoting on a nationwide basis, ComparisonMarket offers complete insurance and financial services, allowing consumers to make easy comparisons, receive accurate quotes over the Internet or by phone, make an informed choice, and save money.
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Esurance offers a full set of insurance policies, providing their customers with many product choices. The company consistently lives up to high ideals, providing quality policies and excellent customer service. Esurance allows you to compare their quotes against quotes from other companies, so you can get the best coverage for the best price. After you get a quote, you can actually purchase a policy, pay for it, and print out a temporary insurance card, all within minutes.
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21st Century Insurance offers personal automobile, motorcycle, and umbrella insurance in California and automobile insurance in Arizona, Illinois, Indiana, Nevada, Ohio, Oregon, Texas and Washington. The company receives much of its new business through referrals from current policyholders; the average annual renewal rate of existing policyholders is greater than 90%. Accepts all licensed drivers, including new drivers.
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**Auto Insurance Finder is not an insurance broker or carrier. Content on this site is for comparison and informational purposes only. The products and services listed on this site may not be available in all states.

Last Updated: February 14, 2008

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Key Facts...
As of 2006, motor vehicle collisions account for more than 1 million deaths and 20 million to 50 million injuries each year. You owe it to yourself and your family to find good quality car insurance that fits your needs.
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